Solartis Insure Microservices Catalog
The largest collection of insurance quote and policy lifecycle microservices (APIs) on the
Specifically designed for Insurance Carriers.
This API provides the ability for a user to create a submission in Solartis Insure Platform. Required and optional information in the Create Submission request can be configured to meet individual customers’ needs e.g., agency, LOB, product, coverage, effective date, insured & address.
This API performs Clearance functions in Solartis Insure Platform. Clearance begins with a search to determine whether the applicant already exists in the customer’s Solartis Insure database and/or can invoke external web services to check on other systems too. The search will eliminate all noise & stop words. The search can either be manually initiated or automated to display “close match” results.. The search result will include all close match data which a UI rendering/generation engine can decide what to render to the use based on their role/privilege.
Registration of the submission in Solartis Insure Platform. Required and optional information in the Register Submission request (and submission lapse rules) can be configured to meet individual customers’ needs e.g., effective date, product, insured name, address, location and risk information.
Submissions can be declined based on Solartis Insure Platform configured and/or third-party system rules.
Submissions can be forcefully lapsed by invoking this API. Submissions can also be auto lapsed through rules without invoking this API.
The request will include the product, coverage, limit, location, building, risk/exposure information needed to calculate the premium based on the LOB/Product. The response provides the coverage limits, factors, rates and premium info needed for the UI, policy documents or for downstream reporting. Surplus lines product rating can include state specific taxes, fees and surcharges. The Solartis Platform supports rating for all insurance product lines. Rating content can be carrier proprietary, Pure ISO, or Carrier exceptions added to Pure ISO. Note: Solartis natively consumes the ISO ERC content within 24 hours of the ISO ERC version release. Each ISO ERC version also includes the list of ISO forms and statistical coding information.
The request must include the product, coverage, limit, location, building, risk/exposure information needed to select forms required in the policy. The response includes the selected forms list including optional/conditional and mandatory forms. In addition, this API can provide list of optional forms available to be selected manually by an authorized user.
Execute Underwriting Rules
The request must include the product, coverage, limit, location, building, risk/exposure information. Depending on the level of automation desired; risk acceptance, rejection and referral rules can be automatically triggered. These rules are based on the customer’s product and company specific guidelines. Automated underwriting rules are generally implemented for insured or agent usage and when triggered either stop the user from issuing the quote or proposal or suggests the risk be referred. If no rules are triggered the user can continue.
The request must include the product, coverage, limit, location, building, risk/exposure information. Required and optional information in the request can be configured to meet individual customers’ needs e.g., product, coverage and limit selections, insured address, location and risk information. This API will create a Quote in Solartis Insure Platform and respond with Quote number.
This API updates an already existing quote with updated product, coverage, limit, location, building, risk/exposure information. The API will execute all configured eligibility, mandatory, referral rules. In addition, it will also execute rating and provide updated premium and all additional information.
This API will change the Quote status to Bind Request. This API is applicable for products that the user does not have the authority to bind or if certain subjectivity or binding rules are triggered. The API validates that there is the required information to bind the business and routes it to the appropriate user for review and action.
Create Endorsement Quote
This API will create an Endorsement Quote in an “In Progress” Quote status for a given Policy in the Solartis Insure Platform. Required and optional information in the request can be configured to meet individual customers’ needs e.g., coverage and limit selections for a coverage change endorsement, effective date for the change. This API will provide an assigned Quote number as response along with other information.
Save Endorsement Quote
This API updates an endorsement Quote. The API will execute all endorsement rules configured against the allowed endorsements. It will also execute rating and provide prorated and full-term premium along with other information.
Create Renewal Quote
The Solartis Insure policy renewal process can be tailored to customers’ specific carrier and program requirements e.g., At a defined date before the expiration date of a policy (i.e., 3 months) the system automatically creates a renewal quote containing the latest information on the policy and the latest application information in the system. Information can be pulled from other systems as needed (e.g., claims, general ledger). Product specific renewal rules are triggered to determine what happens to the renewal quote. For example, if no flags are triggered the system generates the renewal quote and a pdf quote proposal will then be automatically sent to the broker or insured. If a flag is triggered (e.g., claims over a $ amount, non-payment of premium) then the renewal quote can be automatically generated to be reviewed by an underwriter.
The request includes required information about the product, insured, address, location and risk information based on configuration. The microservice validates and rates, performs underwriting and eligibility rules, triggers form attachment logic, and subjectivity rules. If successful a policy number is generated according to the customer’s policy numbering schema and bound policy is transaction is recorded.
The Issue Policy API validates and rates the issue policy request, performs any required rules, and upon successful completion, will generate the data for the policy record and add an issued policy transaction to the database.
Once the policy is bound, an endorsement or audit issue request can be executed. If the premium is to be adjusted the system re-rates the policy with the new information and displays back the annual and pro rata coverage premiums / changes for review. The endorsement or audit is issued with the appropriate forms selected. A complete history of all policy transactions is stored.
Do Not Renew
The Do Not Renew request will set a “do not renew” flag for the policy specified. The related non-renewal documentation will be generated based on configuration.
The Cancel request will endorse the policy into a cancel or pending cancel status based on the specified cancel date. Cancellation type could be flat, prorate, short rate or based on the product cancellation requirements. The appropriate minimum earned rules will be applied and documents will be generated based on the status and configuration.
The Rescind request will rescind a pending cancel. This is typically performed when payment is received for a policy in pending cancel status within the days-notice period.
The Reinstate request will return the policy to active status from a cancel status. Reinstatements can be done with and without a lapse and documents can be generated based on configuration.
This API focuses on the domains (lists of valid values). It accepts information about the product, values for related fields, and returns the list of valid values for the field specified.
This API focuses on the page specific information. Provides the list of fields and their attributes for a page, and the list of valid values for each field, including cross-field validation. The information is configuration based and stored as metadata.
Generate Proposal Package
The proposal document package will be generated in PDF format and a link to the document set will be included in the response.
Generate Binder Package
The binder document package will be generated in PDF format and a link to the document set will be included in the response.
Generate Policy Package
The policy document package will be generated in PDF format and a link to the document set will be included in the response. All policy, insured, coverage and premium data is merged onto the forms as needed. Before generating the package, this API will execute mandatory rules to ensure all required data is provided to produce the Policy Package.
Add Manuscript Form
This API accepts a PDF or XSL file to be added to specific Quote/Policy as manuscript form. This form can be created manually by an authorized user in their local environment and saved as a PDF before invoking this API. Alternatively, an authorized user can author/develop a dynamic form and send it to attach to for a specific Quote/Policy. Based on appropriate flag, this form will be listed in schedule of forms and included in the Policy Package.
Generate Certificate of Insurance / Auto ID Card Package
ACORD Certificates of Insurance, ACORD Evidence of Insurance and Auto ID Cards are dynamically generated on-demand. Automated business rules determine whether the Certificate Record is complete and whether the user is authorized to issue.
Generate Endorsement Package
The endorsement document package will be generated and a link to the document set will be included in the response. All policy, insured, coverage and premium data is merged onto the forms as needed.
Generate Renewal Package
The renewal document package will be generated and a link to the document set will be included in the response. All policy, insured, coverage and premium data is merged onto the forms as needed.
This API posts credit or debit transactions to an Insured’s account against one or more objects such as Quote, Policy and/or COI, which are associated to the same insured in Solartis Insure General Ledger. These transactional records can be posted multiple times. Once a transaction is posted, it cannot be amended, changed or updated in Solartis Insured General Ledger. To amend, change or update a transaction, a reversal transaction must be performed to make the corrections. The API will generate a unique transaction identifier (ID) against each transaction posted through this API. This API can also generate receipt PDF, if required. Optionally, the generated receipt can be sent to the email addresses provided through the request JSON.
This API retrieves the transaction history posted against an Insured’s account for one of the objects such as Quote, Policy and/or COI, which are associated to the same insured in Solartis Insure General Ledger. Based on the object (insured, quote, policy, COI), a list of transaction details will be provided in the response corresponding to the object requested. For example: if you provide a Policy number, this API will provide all transactions posted against that Policy. This transaction list will contain all transactional records posted including all reversal transactions.
This API provides easy integration between a Policy Administration System (PAS) and Payment Gateway systems for Insurance industry specific payment transactions. This API enables a generalized interface to integrate with various payment gateways such as Authorize.net and Chase PaymentTech. This API will post credit or debit payment transactions against the insurance company’s merchant account to their Banking institution for various insurance payment transactions e.g., Bind/Issue Policy, Cancel, Monetary Endorsement, Renewal, etc. using the payee’s credit, debit, eCheck/ACH.
This API will generate a payment receipt upon a successful payment transaction and can send the receipt to the payee and/or to an email id list provided. For PCI DSS and other security reasons, this API will not store or maintain the payee account information in the Solartis Insure system. Instead, Solartis will pass through the Payee account information to the payment gateway.
This API posts billing transactions against an Insured’s Quote, Policy and/or COI in Solartis Insure Accounts Receivable ledger and generates a Billing Invoice document for your binding and issuance needs. This Accounts Receivable record will be closed when a payment is posted against the invoice. This API will generate an Invoice number against the Insured if not provided by the Policy Administration System. This API will also generate an Invoice document. The invoice document consists of multiple document forms which can be selected based on various rules to construct the appropriate invoice and/or billing document, with appropriate data, logos and templates. Optionally, the generated invoice can be sent to the email addresses provided in the request JSON.
Get Outstanding Balance
This API provides the outstanding balance amount against an Insured’s account or against one of the objects such as Quote, Policy and/or COI which are associated to the same insured in the Solartis Insure General Ledger. Based on given object identifier, the outstanding balance will be limited to that object. For example: if you provide a Policy number, this API will provide the outstanding balance against that Policy inclusive of all transactions posted against that policy including endorsements, cancellations, reinstatements and renewals.
Available Installment Plans
This API provides a list of available installment plans configured against a Product/LOB. This API requires that installment plans have been configured in the Solartis Insure Platform. This configuration can be different for each Products/LOBs. Each installment plan can have rules based on Insured State, Minimum Premium, down payment etc.
This API provide available installment plans for the PAS to display to the user for them to select an installment plan. The list of available installment plans is based on the Product/LOB, insured State, Premium, etc. Example of installment plan could be single pay, two-pay, three-pay, 4-pay, 6-pay, 10-pay or 12-pay with or without a down payment.
Installment Breakdown for Plan
This API requires pre-configuration of installment plans in the Solartis Insure Platform. This configuration can be different for each Products/LOB. Each installment plan can have rules based on Insured State, Minimum Premium, down payment etc.
This API provides list of installment breakdowns/plans for a given premium amount based on the configured installment plans and the associated rules. Based on this installment breakdown plan, the PAS can allow the user to select from the list of available plans.
This API requires pre-configuration of installment plans in Solartis Insure Platform. This configuration can be different for each Product/LOB. Each installment plan can have rules based on Insured State, Minimum Premium, down payment etc.
This API will create an installment breakdown for a given Insured and Insured entity like Quote, Policy, Endorsement, renewal, etc. This API allows the PAS to override the available plan and plan breakdown provided for each configured installment plan. Subsequent Payment transaction should be applied against the installment plan created through this API.
Get Installment Details
This API will provide installment details against an Insured or a Quote, Policy, Endorsement, Renewal, etc. for a given Insured. The response to this API will include all paid and unpaid installment details.
Proof of Insurance (Blockchain)
This has a set of APIs to post submission, quote and policy transactions to a Blockchain network, to retrieve data from Blockchain network, generates on-demand Proof of Insurance information. The retrieval APIs can be used on any interface for service providers, claims adjudicator or generating document (e.g. Certificates of Insurance, Evidence of Insurance, Auto ID cards, as well as all other proof of insurance documents). This easy to use microservice sources trusted policy data from carrier and/or agency management systems, posting it to a securely partitioned transaction ledger on the Solartis InsuranceLedger Blockchain or to a third-party Blockchain network.
Calculate Surplus Lines Taxes, Fees, and Surcharges
This Web Service interface APIs includes:
- State level Taxes, Fees and Surcharge values/factors and algorithms versioned by effective date
- Personal and Commercial Lines
- All states
- Option for authorized user to override system values/factors
- Real-time response (quote re-calculations, binder issuance, mid-term endorsements, cancels, re-writes)
The Solartis Insure Data Management APIs provides the following capabilities:
- Find Insured - to search Insured in Insured repository for a given search criteria. The response will provide a list of Insureds
- Find Quote - to search Quote in Quote repository for a given search criteria. The response will provide a list of Quotes
- Find Policy - to search Policy in Policy repository for a given search criteria. The response will provide a list of Quotes
- Get Insured - to retrieve individual insured detail
- Get Quote - to retrieve specific quote detail
- Get Policy - to retrieve specific policy detail
- Get Billing - retrieve billing records against a specific policy
- Find Billing - to search in Policy repository for a given criteria for billing GL transactions
- Get Document - to retrieve documents associated to Quote of Policy. This will retrieve a URL to the document.
User Notes Management
User notes provide the ability for the user to add custom notes to an insured record or policy transaction. The Solartis Insure User Notes API includes the following capabilities:
- Ability to add and retrieve user notes
- Viewing of individual user notes can be configured by user type
- Each note is appended with client environment signature data e.g., client environment, browser, OS, IP address, user information, date timestamp.
The ability to send and receive emails:
- A complete log of all emails sent and received on the policy / insured
- Email templates are available to improve efficiencies and provide consistency
- Ability to send attachments and policy documents
To add and retrieve attachments. Unstructured attachments are available at the insured and / or policy level to assist in policy and exposure management activities. Attachments can be any document (i.e. loss runs, photographs, signed applications) and document type (word doc, PDF, spreadsheet etc.)
This API provides the ability to manage and track all documents, tasks, emails, and notes required during each policy life cycle activity. During specified stages of the policy (i.e. pre-bind, post-bind, pre-endorsement issuance, renewal) Solartis Insure will list each artifact and / or task (i.e. Signed TRIA forms, Inspection request, Loss Runs etc.) that needs to be received or completed prior to that transaction being processed. Once all required tasks are completed the status is updated and the user can complete the policy transaction. In addition to tracking the subjectivities, Solartis Insure stores the received documents with the policy record, includes user notes and diaries each subjectivity task for follow up. Each Subjectivity is configured as to what it is, when it is required and if it is mandatory or optional. Processing rules can be as strict or as lenient as desired. This API also enables adding manuscript subjectivities for a specific quote/policy.
A Referral is sending the risk or task to another user for review and / or processing. Referrals can be either system triggered based on rules or manually triggered by the user (i.e., broker). Additional correspondence can accompany the referral (by entering info into the quote record or attaching an imaged document).
Ability to obtain signatures electronically:
- From all required parties e.g. Insured, Agent, third parties
- For all insurance document types: Applications, Affidavits, Endorsement and Cancellation Requests
- eSignature can be used with Solartis Insure policy life cycle services or can be integrated with any policy administration system
- eSignatures can be obtained on newly generated or existing insurance documents.
- Customizable emails are generated to desired recipients
- Solartis Insure maintains a record of all activities performed
- All signed documents are available as soon as executed by recipient
- The Solartis Insure eSignature service is compliant with US and state specific laws and regulations
- The recipient’s email includes a link to access insurance documents online.
- Easy to follow, simple instructions are provided in the email and link
- The user can review and approve all documents online before signing
- Once executed, the recipient can download all signed documents for record keeping
Since the Solartis Insure PaaS stores the configuration information in the metadata database, versions of configuration data can be compared. This API will compare two product versions and provide the differences.
This data is populated on a near-real time basis using standard database replication and database triggers and stored procedures. Solartis Insure uses an open source tool called Pentaho to generate reports from the reporting database. However, any reporting tool (i.e. Cognos, Crystal) can be used with our reporting database.
Solartis can create custom APIs for specific customer processing requirements.